.svg)
Don’t let funeral costs catch you off guard in today’s day and age.
With Pivotal Health’s End-of-Life Coverage, you can ensure your loved ones are financially supported when it matters most.
End-of-Life Protection You Can Count On
Life’s final chapter should be about comfort and peace, not financial stress. With Pivotal Health’s Whole Life Insurance, you can ensure that your family is protected from the unexpected costs that often arise. This plan is designed to help with expenses that come at life’s end, giving your loved ones the space to focus on what really matters.
Our Whole Life Insurance policy provides affordable coverage designed to handle the financial challenges that accompany the end-of-life process. From healthcare costs to memorial arrangements, the right coverage can ease the financial weight on your family and give you the reassurance you need.
How Pivotal Health Can Support Your Family
Unexpected Medical Expenses
Even with insurance, healthcare costs at the end of life can take families by surprise. Pivotal Health’s plan helps cover medical bills that might otherwise go unpaid, providing much-needed relief.
Settling Affairs
Legal fees, probate, and accounting tasks can create a complicated and costly burden for your loved ones. Pivotal Health’s coverage helps ensure that the costs of managing your estate don’t fall entirely on their shoulders.
Memorial and Funeral Costs
With funeral expenses averaging $8,300, families often face tough financial decisions. Our insurance helps cover the costs of burial, cremation, and memorial services, so your family can say goodbye without added stress.
Why Choose Pivotal Health’s End-of-Life Insurance?
Affordable, flexible premiums to fit your budget
Direct payout to your beneficiaries
No lengthy medical exams required
Coverage that lasts a lifetime
Cash value accumulation over time
Payment plans tailored to your financial needs
Pivotal Health Insurance Plans for End-of-Life Coverage
Pivotal Health offers two comprehensive plans. We match you with the best option based on your age and answers to a simple health questionnaire.
Essential Plan
Provides full coverage from day one for both accidental and natural causes of death.
Accidental Death
Immediate full benefit
Non-Accidental Death
Immediate full benefit in all policy years
Standard Plan
Offers full coverage for accidental death, with partial benefits for non-accidental death in the first two years.
Accidental Death
Immediate full benefit
Non-Accidental Death
Limited benefit for the first two policy years
Full benefit from the third policy year onward
Coverage Options for the Essential Plan
Select from the following benefit ranges
Eligible Age6 | Minimum Benefit | Maximum Benefit7 |
|---|---|---|
45-55 | $5,000 | $50,000 |
56-65 | $5,000 | $40,000 |
66-75 | $5,000 | $30,000 |
76-80 | $5,000 | $20,000 |
Coverage Options for the Standard Plan
Select from the following benefit ranges
Eligible Age6 | Minimum Benefit | Maximum Benefit7 |
|---|---|---|
45-75 | $2,000 | $25,000 |
Enhance Your Policy With Optional Riders
(Available with the Essential Plan)
Living Benefit Rider
Provides up to 50% of the death benefit in advance if you are diagnosed with a terminal illness, helping with medical expenses and care costs.
Accidental Death Rider
Doubles the coverage amount if death occurs due to an accident, available for individuals aged 40 to 70.
Child Protection Rider
Offers coverage for your children, grandchildren, or stepchildren, giving them protection under your policy.
How Much End-of-Life Coverage Do I Need?
Several factors can help determine the right amount of coverage for you.
We recommend considering your current financial obligations to decide on a suitable amount for your beneficiaries.
Here are some important expenses to consider:
Funeral, burial, cremation, or memorial services
Monthly utility bills such as electricity and water
Grocery and dining expenses
Outstanding medical bills
Steps to Apply for Pivotal Health End-of-Life Insurance
Applying for coverage with Pivotal Health is straightforward and quick. Follow these easy steps.
Request a Quote.
Get in touch with us or request a quote online, and we’ll guide you through the different insurance options available.
Complete a Simple Health Questionnaire.
No lengthy medical exams are required. You’ll only need to answer a few questions about your health.
Select Your Coverage Amount
Based on your financial needs, choose the coverage amount that works best for you and your family.
Submit Your Application.
Once approved, you’ll have peace of mind knowing your family is protected.
Get a Quote for Pivotal Health End-of-Life Insurance
If you want to ensure your family is financially secure when you’re no longer around, but find the cost of traditional insurance too high, Pivotal Health’s end-of-life insurance could be the perfect solution.
Enjoy peace of mind knowing that your loved ones will have financial support, while you cherish every remaining moment with them.
The insurance policies offered by Pivotal Health provide supplemental coverage, and are not intended to replace major medical insurance.
Data referenced: National Funeral Directors Association 2023 Report on Funeral Costs – showing a rise in funeral expenses due to inflation. Last updated December 2023. Accessed February 2024.
Pivotal Health End-of-Life Insurance policies mature at the insured's 120th birthday. Refer to the policy details or contact a Pivotal Health representative for complete information.
Annual administration fee: $48.
Coverage and premium amounts vary by applicant age. Optional riders are available at an additional cost. Certain limitations and exclusions apply. Refer to the policy for full details.
Limitations & Exclusions for Arizona, Idaho, New Jersey, and Virginia residents:If the insured dies by suicide within two years of the policy effective date, the benefit will be limited to the amount of premiums paid.
Exclusions for Accidental Death Benefits include:
Any death caused by disease or illness
War-related incidents
Participation in illegal activities
Self-inflicted injury
Risky activities like skydiving or racing
Living Benefit Rider Limitations:
Receiving a portion of the death benefit early may affect eligibility for public assistance programs. It’s advisable to consult with a tax advisor to understand any tax implications.
Children’s Term Insurance Rider Limitations:If a child covered under this rider passes away due to suicide within two years of coverage, benefits will be limited to the total premiums paid for their coverage.
Pivotal Health is dedicated to providing clear, reliable end-of-life insurance options for individuals and families.